Stop paying rent. Own the building your business runs in.
Buy, refinance or pull equity from your storefront, office or warehouse, with options many banks don't offer. We guide you from start to finish, in English or Spanish.
Which program fits you?
Tap what you want to do and we'll take you straight to the best option.
Clear options, no fine print
The essentials at a glance. Tap "See details" to learn more.
With your bank statements
From $200,000 up to $2.5 millionFor the building your business operates in
- Qualify with 12 months of business bank statements, no tax returns
- Up to 80% of the property value
- 5- or 30-year fixed terms, no balloon
- Purchase, refinance or cash-out
See details
Who it is for · business owners who occupy at least half of the space. Individual, LLC or partnership borrowers.
Common property types · retail or strip center, office, warehouse, mixed-use, light industrial, auto repair, restaurant or bar, daycare, medical office, self-storage.
Not eligible · land, construction, vacant or rehab properties, hotels, gas stations, cannabis and rural properties.
General requirements · 650+ credit score. Everything is subject to underwriting and appraisal.
Where it is available · in most states, including Florida. We will confirm whether it applies in yours.
SBA 504
Up to 90% total financingWith the CDC portion · first mortgage from $750,000 up to $20 million
- Buy, refinance or build your commercial property
- Equipment too
- Lower down payment
- 25-year term
See details
How it works · a first mortgage is paired with a second loan from a CDC (an SBA-certified lender), which is why the down payment can be lower.
Not eligible · hotels and hospitality. Available in 35 states, including Florida. We will confirm whether it applies in yours.
Subject to SBA guidelines and underwriting.
Qualify on rental income
For commercial investment propertiesThe loan is based on the property rent, not on your business income
- Qualify using the rent from retail, office or warehouse investments
- Built for buying or holding a commercial rental, not your own storefront
- We will review your numbers and tell you if it fits
See details
Who it is for · investors who want a commercial property to rent, not the building their own business operates in.
How qualification works · we look at the property rent against the loan payment. We will confirm the requirements for your scenario.
Subject to underwriting and appraisal. We will confirm whether it applies in your state.
SBA 7(a)
From $750,000 up to $5 million25-year term, nationwide
- Buy or build your commercial property
- Acquire a business
- Equipment, inventory or working capital
- Refinance business debt too
- Fixed or variable rate
See details
Also works for · refinancing business debt and ground-up construction of your business location.
Documents · SBA programs do require tax returns.
Subject to SBA guidelines and underwriting.
Have a business in a rural area or a special scenario? Reach out anyway and we will review it with you.
Know which one you want? Tell us about your deal.
Three simple steps
- 1
Tell us your scenario
On WhatsApp or a quick call. Address, property type, approximate amount and purpose.
- 2
We get back to you fast
We tell you which options actually fit. Reviewing your case costs nothing.
- 3
We stay with you to closing
We put the full package together and keep you posted at every step.
What people ask us most
Do I need tax returns?
Not for the bank statement program. SBA programs do require them.
How much do I need down?
It depends on the program. From 20% of the value on the bank statement program, and it can be less with SBA 504.
Can I buy the building where my business already operates?
Yes. It's one of the most common cases and a great way to stop paying rent.
Can I close in my LLC?
Yes. The bank statement program allows individual, LLC or partnership borrowers.
What if the property is a rental?
There are options that qualify on the rent. Send us the numbers and we'll review it with you.
How long does it take?
It depends on the program and the appraisal. Once we see your case we'll give you a realistic estimate.
Tell us about your business
We'll tell you which program fits, no obligation.
Or call the office at 813-513-9835
General information only, not a loan offer or commitment to lend. Amounts, terms and requirements are general ranges subject to underwriting, appraisal and program approval, and may change without notice. SBA programs are subject to SBA guidelines. Infinity Wholesale Mortgages, LLC · Company NMLS #2420223 · Adrian Colin, CEO/President, Loan Officer NMLS #1684240 · Verify our licenses at nmlsconsumeraccess.org · Equal Housing Opportunity.